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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,931 | $160,040-58.2% | $147,096-54.5% | $145,877-54.1% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.2pp |
| Annual return | 11.17% | 98.49%-87.3pp | 419.75%-408.6pp | 551.28%-540.1pp |
| Employer contribution / active EE | $6,470 | $5,289+22.3% | $4,936+31.1% | $4,663+38.8% |
| Participant deferral / active EE | $2,762 | $8,429-67.2% | $8,071-65.8% | $6,691-58.7% |
| Admin fee / account holder | $2,296 | $15,050-84.7% | $13,005-82.3% | $13,402-82.9% |